Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.
Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.

6 Pulau Paling Menyeramkan di Dunia

1. Fiji

Fiji punya sejarah, kisah terkenal macam kanibal anak2, pembunuhan anak2, penyiksaan anak2, mati gara2 mabok laut khusus anak2.. kayaknya ni pulau benci anak2 kali ye?
Taon 1840, ada misionaris yang nulis tentang pulau itu, katanya disana tinggal para kanibal sadis yang nangkepin orang dewasa dan terlebih anak kecil dari laut en pantai. Anak kecil digantung jadi hiasan bendera, ampe akhirnya mokad gara2 mabok laut.
Anak2 laennya dibawa idup2, buat jadi contoh bagi anak2 penduduk setempat tentang seni perang. Anak2 tangkepan ini ditempakin panah, dipukulin pake tongkat ampe mampus. Sampe berhari2 mereka nangis en jejeritan..

Anak2 setempat maen2 dengan cara nyiksa en mutilasi badan anak cewek hasil tangkepan.

2. Pulau Sampah Pasifik

Pernah nonton pilem yang bumi ngebuang sampah ke angkasa? Mirip ama ni pulau, tapi dengan lebih banyak sampah dan tanpa roket.
Jadi, tiap kali Amerika ato Cina ngebuang sampah ke laut, benda2 itu semua ngumpul ke tempat yang sama, namanya North Pacific Gyre. Makin lama, sampahnya makin numpuk en sekarang udah jadi pulau segede Texas.
Plastik nggak terurai, tapi bisa ancur sampe kecil2, bahkan sampe segede plankton. Dan ikan itu bukan makhluk super pinter, jadi kalo liat yang mirip2 plankton, langsung embat aje. Jadi nanti rantai makanan bakal jadi : ikan makan plastik, kita makan ikan, trus kita eeq plastik.. balik lagiii…

Ngga mungkin ada plastik sebanyak itu? Hmm, peneliti pernah ngambil aer laut dari daerah pulau sampah ini, dan hasilnya jumlah kandungan plastik 6x lebih banyak daripada jumlah plankton. Mari sama2 makan plastik..
Oh iya, jangan coba2 berdiri di atas pulau sampah ini, soalnya bakal langsung kejeblos ke laut, trus tempat ente jatoh tadi uda ketutup ama sampah lagi. jadi ente bakal tenggelem di bawah sampah, jadi makanan hiu.. Yihaaaa.

3. Pulau Izu

Letaknya di wilayah Jepang. Pulau ini udaranya dipenuhin ama gas sulfur dengan konsentrasi tertinggi di seluruh dunia. Tapi gapapa, kan ga ada yang tinggal disana..

Eh, masih ada yang tinggal disana?
Yup..orang2 di pulau ini sehari2 hidupnya musti make masker terus. Di tengah malem, sirene bakalan bunyi karena konsentrat gas sulfurnya parah sampe2 kalo dihirup gitu aja bakal mati dengan sukses. Orang2 disana ngabisin hidupnya dengan cara ini.Yah, paling ngga mereka dibayar. Sama siapa? Ya sama peneliti.. Mereka dibayar murah karena peneliti2 mao tau gimana kalo orang2 itu idup make masker gas dan ngirup udara penuh sulfur.
Oh iya, di pulau ini juga ada lempengan tektonik yang bisa ngehasilin gempa superdahsyat.

4. Pulau Ramree

Taon 1945, jaman Perang Dunia II, 900 tentara jepang dikirim kesana. Waktu lagi keliling, jalannya kehalang ama rawa. Dikira asik2 aje, masuknya 900 tentara itu kesana. 500 ilang tanpa kabar.

Ni pulau dihuni ama nyamuk malaria, kalajengking yang mematikan, dan BUANYAK BUANGET buaya laut. Tentara yang selamet itu mayoritas luka parah sampe2 ngarep mending mati aja. Kejadian ini saking serunya, sampe masup Guinness Book of World Records’ “Greatest disaster suffered from animals.”

5. Pulau Poveglia

Pulau ini ada di daerah perairan Venice, Italia. Awalnya gara2 orang2 Romawi jaman dulu, dengan ‘baik hati’ nyari tempat buat karantina orang2 yang kena virus mematikan di jaman itu. Trus ya Pulau Poveglia ini terpilih mendapat ‘kehormatan’ tersebut, dimana ribuan orang sakit itu akhirnya mati bareng2.
Beberapa abad kemudian, virus Bubonic nyerang Eropa, dan pulau ini kembali ke masa ‘kejayaan’ nya sebagai tempat piknik terakhir buat orang2 sekarat. waktu virusnya makin parah, akhirnya smua yang kliatan sakit dikit langsung dikirim ke Pulau Poveglia. Kebijakan buat ‘ngebiarin ampe mati ndiri’ juga diganti jadi ‘lempar smua org sakit itu ke lobang gede (yg di dalemnya banyak mayat) trus bakarrrrr’. Total jumlah kematian di pulai inipun jadi sekitar 160.000 nyawa.

Seolah belom cukup serem, taon 1922 di pulau berbau mayat penyakitan ini dibangun RSJ. Gosipnya dokter2 jiwa disana itu suka nyiksa pasiennya dengan naroh di atas tower, trus cuek aja waktu pasiennya teriak2 ngeliat hantu penyakitan. Kabar selanjutnya, dokter2 disana akhirnya juga mati smua dilempar dari tower ama hantu penyakitan.

Lewat beberapa taon, ada segerombol orang dikirim buat tinggal disana. Tapi besoknya pada balik lagi karena katanya malem2 banyak suara orang jerit2 en penampakan. Jadi, ampe sekarang ngga ada yg nempatin Pulau Poveglia. Kecuali ente ngitung ratusan ribu hantu gentayangan itu sebagai penduduk…

6. Ilha de Queimada Grande Alias Pulau Ular

Ini pulau dipenuhin sama uler. Pernah ada nelayan yang nyasar kesana, trus pulang2 perahunya darah semua
Uler yang memenuhi pulau ini jenisnya Golden Lancehead. Racunnya termasuk salah satu yang terganas, bisa bikin daging busuk ampe ke tulang.. hueee. Dah gitu uler jenis ini cuman ada di pulau itu. Blom bisa ngebayangin ngerinya?

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